Affordable Homes in Wilmington NC | Real Estate Neighborhoods

Yes, you can afford a home….

Here we are proud to offer you the latest homes listings in Wilmington NC affordable neighborhoods. Kay Baker & Associates have assisted hundreds of first time buyers every step of the way in their quest for the American Dream. And we are proud to assist you as well. From the prequalification process and finding the right loan for you to the intense but exciting home search and through the closing process and long after the movers have gone, we are with you. You will be in the hands of true professionals who are experienced in the entire home buying process from financing to negotiating and who truly care about you, the consumer . You will be informed of all homes that fit your search criteria in any of these starter neighborhoods. Click on any of these fine neighborhoods to search for affordable homes in Wilmington, NC.

Call Kay Baker today at 1-800-497-7325 Ex. 3607 or email kaybaker@seacoastrealty.com

Alamosa Place
Arrowhead
Audobon
Avenshire
Bayshore Crossing
Belvedere Ext
Bent Tree
Bradley View Townhomes
Breezewood*
Brewster Place
Brickstone Estates
Brookfield
Brooklyn Square
Campus Edge Condos
Caneel Cove
Cape Cottages
Capeside Village
Carleton Place
The Townes at Carleton Place
Carriage Hills
Cassimir Commons
Chandlers Watch Condos*
Chestnut Heights
Churchill Estates
Clearbrook
Colonial Village
Cornerstone
Courtney Pines
Crestwood
Eagles Nest
Echo East
English Moor at Westbay Estates
Farrington Farms
Forest Cove Townhomes
Fox Run Farm
Glynnwood
Gordon Woods*
Green Meadows
Green View Ranches
Greenway Plantation
Greenway Village
Hawthorne Park
Heritage Park
Heritage Woods
Hermitage Woods
Hermitage Estates
Highgrove
Hinton Oaks
Holiday Hills
Hollyfield
Hunting Ridge
Huntington Forest
Ivy Wood
Jacob’s Ridge
Kings Grant
Kingswood
Kirkwood at Arrondale
Lake Brewster
Laurel Ridge
Lord’s Creek
Mandeline Place
Marquis Hills*
Marshes at River’s Edge
McClelland Townhomes*
Meadowbrook
Monterey Heights
Montgomery Place
Mulberry Place
Myrtle Gardens
Newbury Woods*
Northchase
Ogden Place
Oleander Court condo
Pine Valley Est
Piney Acres
Pontiac Place Condominiums
Poplar Grove Point
Porter’s Crossing
Prince George Estates
Putnam Run
Quail Woods
Queens Point
Sherwood Forest
Silva Terra
Silver Creek Village
Silver Lake
Smithcreek Estates
Spring View
Stonebridge
Summerfield
Summer Glen
Sun Coast Villas
Sunset Park
Tanglewood
The Courtyard
Runnymeade
Sago Bay
Sandybrook
Sawgrass
Sea Pines
Seagate
Shearin Hills
The Thickett
Treasure Cove
Treetops
Victoria Place
Village of Kimberly
Village Square Townhomes
Walnut Hills
Weatherwood
Westbay Estates
Whitney Pines*
Wildflower
Williamsburg Place
Willoughby Park
Wilshire Townhomes
Winds Ridge
Windswept
Woodlawn
Wrightsboro Acres
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TWO-MINUTE DRILL: Timely Tips For Short-Notice Home Showings | Wilmington NC real estate

 It’s a seller’s worst nightmare…the sink is full of dishes, the baby is crying — and an agent calls: “We’ll be there in two minutes. I have the perfect buyer for your house.” Before that overwhelming feeling of panic sets in, don’t despair! Here’s a quick roundup of easy pick-up tips to get your house in show-time shape in minutes.

Have A Game Plan

  • Assign responsibility for each room to a family member.
    When the “last-minute dash” starts, each person knows which room to straighten.
  • Plan your get-away.
    Know where you’ll go when you vacate the house for show time. Take the kids to the library, park, playground or to visit friends. Do your grocery shopping, pick up the dry cleaning or run other errands.

Whole-House Strategies

  • Perk up your carpets.
    Eliminate stray crumbs and dirt with a quick pick-up by a hand-held vacuum.
  • Turn on the lights.
    Light up dark corners and hallways. Even on sunny days, rooms show better when brightly lighted.
  • Open curtains and blinds.
    Let in as much natural light and good views as possible.

Kitchen Quickies

  • Use paper plates.
    A lot of people house hunt on their way home from work — at dinner time. Eat on, then toss, paper plates to avoid unsightly dirty dishes and speed clean-up time.
  • Put dinner in cold storage.
    If you’re caught with dinner on the table, shove the plates into the refrigerator. Re-heat in the microwave when prospects have gone.
  • Simmer some spices.
    Prepare a pot of cloves, cinnamon sticks and water. With only minutes to spare, bring your spices to a rapid boil, turn back immediately to simmer and your home will have a warm, inviting smell.
  • Try microwaving instead of baking.
    Keep your oven free of spatters by switching to microwave dinners.
  • Drain dishes in the dishwasher.
    Air-dry hand-washed dishes in the upper rack of the dishwasher to keep the sink and counter clutter-free.
  • Add sparkle and shine with spray cleaners.
    Wipe out cooking spills with a quick squirt of a grease-cutting spray cleaner and rub with a paper towel.

Laundry Disguises

  • Use the washer as a hideout.
    Put your dirty clothes in the washer until you have time to launder. Same goes for clean clothes that you don’t have time to fold — let them sit in the dryer instead of in a messy pile.
  • Try a laundry-basket disguise.
    If you have more laundry than you know what to do with, drop it in a basket, fold two large bath towels and place on top, and presto — laundry goes from messy to neat.

“Junk” Catchers?

  • Use under-bed storage boxes.
    For last-minute pick-ups, under-bed boxes are great catch-alls for toys, books, dirty socks, etc.
  • Have a bail-out box.
    Eliminate a frantic search for keys, wallet, dog’s leash and shoes when you are leaving to let the agent show the house. Keep a small box with pertinent items stashed in a handy place such as the coat-closet floor.

Make A Final Check?

Run through the home room by room, from top to bottom, to make sure everything is in tip-top shape.

These are just a few of the ways to make your home sparkle and shine in a matter of minutes. If you are considering selling and would like more ideas on how to make your home show in its best possible light, please give us a call! To search all Wilmington NC real estate, please visit www.cbbaker.com.

PICK A WINNER! Select The Best Home Today For The Life You Dream About Tomorrow | Wilmington NC real estate

It wasn’t so long ago that most people visualized the “American Dream” as ownership of a single-family home. Today, home buyers have — and appreciate — more options for meeting their lifestyle preferences and budgets, including townhomes, condos and co-ops.

Lifestyle preferences and income tend to change as people journey through the different life stages. To research Wilmington NC real estate and to look at different lifestyles please visit www.cbbaker.com. or take us with you mobile.cbbaker.com

 

  • The housing needs of singles quickly change with marriage and children. Small families often outgrow their starter homes, and can afford to “move up” as more babies arrive and kids grow older.
  • Couples who’ve sent their last grown child into the world may start thinking about whether their suburban home with yard is still the ideal setting for how they want to spend their time.
  • As people approach or reach their later years, they may focus more on how easy it is to live and move about in a home.

 

If you’re in one of those transition periods of life, take some time to consider how your time, needs and budget might be better served by a change in housing type. Selling your current home and buying a more suitable one (or your first one!) could improve your quality of life on a daily basis. Your timing could be perfect today, as mortgage rates are oh-so-low and there’s plenty of housing inventory to choose from.

 

Here are some things to consider about the various housing options available to today’s homeowners. And they’re all available new or as resales.

 

Single-Family Homes. Available in many styles, sizes and price ranges, single-family detached homes are the traditional preference of most home buyers.

 

  • Homeowners are responsible for all costs associated with the home and the property it sits on, including maintenance, repairs, property taxes, utilities, upgrades, etc.
  • Many newer single-family developments come with features formerly associated with townhome, condo and co-op communities. “Common interest subdivisions” and “planned unit developments” have homeowner’s associations — to which homeowners pay dues — that maintain common grounds and recreational facilities and often place certain restrictions on homeowners’ properties.
  • Detached homes offer a greater sense of independence and privacy than other multi-unit options.
  • In recent years, the size of yards associated with detached homes has shrunk — so small that some are known as patio homes. Smaller yard, less work!

 

Townhomes. Townhome communities typically consist of multi-story row houses (though they can be single story), attached by at least one common wall.

 

  • They allow individual ownership of the unit and the land it sits on.
  • Owners are responsible for paying utilities and maintaining the interior and exterior of their unit along with the owned area around it.
  • The homeowner’s association, to which homeowners pay dues, maintains common grounds and may provide other services such as trash removal.

 

Condominiums. “Condos” can come in a variety of forms — high-rise units, attached units, duplexes, even detached homes. The key difference is how they are owned.

 

  • Condo owners buy the right to live in their unit — they buy the “airspace” so to speak — along with an undivided interest in the surrounding structure/s, common areas and facilities, which are owned together by everyone with an ownership stake in the complex.
  • Typically, the condo owner is responsible for maintaining the interior of his or her unit, while the condo owner’s association is responsible for maintaining the exterior, as well as any grounds and common areas.
  • Owners pay a monthly assessment, sometimes higher than for a comparable townhome, to the owner’s association.
  • Owners may pay some or all utilities, while many services, such as trash removal, lawn maintenance, etc., are often provided by the association.

 

Co-operatives. “Co-ops” are actually corporations that own housing units, typically in multi-story buildings, but sometimes in other forms.

 

  • Buyers of co-ops purchase shares in the corporation, which allows the buyer the right to occupy (by lease) a particular unit.
  • The number of shares the buyer purchases determines the monthly amount that is paid in “rent” — the more shares, the lower the monthly rent per share.
  • Because the co-op buyer does not “own” the property, the unit usually cannot be used as collateral to secure a mortgage loan, and buyers work with lenders that specialize in co-op financing.
  • Co-op buyers may need a substantial down payment (say, 20% to 30%) to purchase the shares that give them the right to live in the co-op property.

 

Take your pick. Generally, single-family detached homes tend to be more expensive than townhomes, condos and co-ops, in that order. However, “luxury” non-traditional homes can certainly cost more per square foot.

 

Message us to find out how we can help finance your next home — whatever you decide is perfect for you. kaybaker@ec.rr.com

All about Wilmington NC real estate.

 

READY TO BUY? 8 Inside Tips Every Buyer Must Know To Win In Today’s Market | Wilmington NC real estate

8 Inside Tips Every Buyer Must Know To Win In Today’s Market

So you’ve finally decided to buy your next home. Problem is, while you were making up your mind, other fence sitters jumped into the home market too. Now you may be facing some competition for the best properties.

What to do? Just because there are other buyers in the market doesn’t mean you can’t come away with your dream home. But to be a successful buyer in today’s real estate market, you’re going to need help.

Your first best move is to know a few inside tricks. As experienced real estate professionals, we have many more than eight ways to increase your chances of landing a prize property despite heavy competition. Still, the following eight tested tips will increase your market savvy and sharpen your competitive position. Then you’ll be ready to act quickly the minute you see that perfect home you don’t want to get away.

 1. Get Pre-Approved
Getting pre-approved for a mortgage loan is your best first move. You will go through what amounts to a mini-application process (paperwork, credit check, etc.) prior to shopping for a home. Pre-approval is more effective than pre-qualification, which only gives you a rough idea of the amount a lender might lend you — not factoring in some of the details that could affect the loan amount.

 When you are pre-approved, however, it’s like carrying around a suitcase full of money. In the eyes of sellers, pre-approval makes you a very desirable “cash” buyer. That’s a real advantage over other buyers with uncertain financing.

2. Be First Getting To New Listings
Once we know your specific price range and tastes, we can regularly do a computerized market sweep for new listings. As your buyer’s agent, we’ll send you a hot list of attractive properties as they come on the market. That way you’ll get a jump on other buyers before the new listings are advertised or held open. Timing can be everything today.

 3. Do Your Homework
Make yourself a “value expert” by investigating local properties to get an idea of price points, listing-to-sales-price ratios, hottest areas and best places for a bargain. Once you know what your money will buy, as your buyer specialists, we’ll add our up-to-the-minute knowledge of what comparable properties sell for in specific neighborhoods and what impact specific features have on price. Together we’ll guarantee you the best price and terms.

 4. Give Your Offer The Personal Touch
Nobody wants their offer languishing in an email inbox in the listing agent’s office while other buyers are putting offers on the seller’s kitchen table. When the situation calls for that personal touch, you’ll gain an advantage by having us present your offer in person, plus we may pick up critical intelligence on any competing offers by being on the scene.

 5. Prove You Mean Business
There are few better ways to show you are serious about buying a property than by including a substantial good-faith deposit along with your offer. A competitive deposit could be as much as 5% of your bid price to be sure it gets the seller’s attention.

6. Don’t Lose Your Head Over Price
Just because the market is active doesn’t mean you should be willing to pay any amount to get your dream home. Sure, you may have to compromise on one point to gain another, such as offering something more on price or a settlement date that fits the seller’s timetable in return for the seller helping on some costs such as paying for some or all points, inspections, closing costs or by conveying personal property. But don’t go crazy. Remember, you may have to sell this home one day, and overpaying now will make it harder to get your investment back when you sell.

 7. Keep Your Purchase Offer Simple
Make sure your contract is headache-free, not messy or overly cluttered with unnecessary contingencies, especially repairs. Keep contingencies to a minimum while still protecting your interests. Better yet, offer to be helpful, such as by ordering an inspection within 48 hours or be willing to take care of any required local certificates such as smoke detectors or water safety. Be flexible. A buyer who will accommodate a seller’s needs is a smart buyer.

 8. Don’t Go It Alone
What you need most in today’s market is experienced professional guidance. As your neighborhood real estate specialists, we can help you get pre-approved, find a prize property, and negotiate the best deal on your next home no matter how heated the competition. We’ll help you win the home you dream about!

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